Personal Finance (Not Investing) • Re: QCD, RMD, Conversion

Dang it, I messed up. I believe the proper order of operations is:

1. set up QCD
2. take the balance of RMD if any
3. do any Roth conversions

I messed this up and have done step 3 without having done steps 1 and 2. Now what?

Technically, you need to request a return of excess contributions from your Roth. Your Roth conversion was your RMD followed by an ineligible Roth contribution.

Realistically, you can get away with doing it out of order unless you get audited.

Statistics: Posted by toddthebod — Tue Nov 26, 2024 7:15 am

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